Make sure you give us permission for the Overdraft Services you want.

Overdraft services can be crucial when it counts most — those times when emergencies or unexpected expenses come up right when your balance is lowest.

To use overdraft service, you will need to give Citizens Trust Bank permission to authorize your overdraft transaction and charge a fee for the service. This service does not guarantee we will permit you to overdraw your account without limits. However, without your permission, we will decline any transaction that exceeds your balance.

How does our overdraft service work?

In the event you make a debit card purchase that overdraws your account, or request an ATM withdrawal that exceeds your balance, overdraft services allow us to authorize the transaction to occur, creating a negative balance in your account. Your purchase is then honored at the cash register or your cash is dispensed by the ATM.

Your negative account balance reflects the amount of the overdraft plus our fees for the service. The next time you make a deposit, your deposited funds are first applied toward the negative balance created by the transaction and fees. Keep in mind that daily fees may apply until you deposit adequate funds to bring your balance above zero.

This service does not guarantee we will permit you to overdraw your account without limits. However, without your permission, we will decline any transaction that exceeds your balance.

If you want to continue receiving overdraft services and allow us to charge a fee, we need your permission today. Otherwise, even in an emergency, your transactions may be declined.

Questions?

If you have questions, please visit our Help Center or contact us for assistance.